| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.4 Filed as: STOP LOSS INSURANC SERVICES | — | BERKLEY LIFE AND HEALTH INSURANCE | $47K | $12K | $59K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 94-1702986 ADMINISTRATOR | Copying and duplicating; Plan Administrator Service code 14 | PO BOX 819015 DALLAS, TX 75381 | $2.3M |
| BAKER BOTTS, LLP ATTORNEY | Legal Service code 29 | PO BOX 301251 DALLAS, TX 75303 | $629K |
| UBS INVEST CUSTODIAN | Custodial (securities) Service code 19 | 2155 LOUISIANA BLVD NE ALBUQUERQUE, NM 87110 | $110K |
| THE SEGAL COMPANY EIN 94-1503999 CONSULTANT | Consulting (general); Actuarial Service code 11 | 7900 NORTH SAM HOUSTON PWKY WEST SUITE 110 HOUSTON, TX 77064 | $90K |
| BAHL & GAYNOR EIN 31-1297139 INV MGR | Investment management Service code 28 | 255 EAST FIFTH STREET SUTIE 2700 CINCINNATI, OH 45202 | $67K |
| TCW INVESTMENT MANAGEMENT INV MGR | Investment management Service code 28 | FILE 56439 LOS ANGELES, CA 90074 | $63K |
| EDWARDS AND LEATHERS, P.C. EIN 20-8739519 AUDITOR | Accounting (including auditing) Service code 10 | PO BOX 860 BAYTOWN, TX 77522 | $47K |
| EATON VANCE INV MGR | Investment management Service code 28 | — | $45K |
| HILTON ARLINGTON HOTEL MEETING HOTEL | Other services Service code 49 | 2401 EAST LAMAR ARLINGTON, TX 76006 | $35K |
| EAGLE GLOBAL INV MGR | Investment management Service code 28 | — | $34K |
| UNIPLAN INVESTMENT COUNSEL INV MGR | Investment management Service code 28 | — | $19K |
| ALLIANZ GLOBAL INVESTORS INV MGR | Investment management Service code 28 | — | $19K |
| MATTHEWS, STEIN, SHIELDS, PIERCE EIN 75-1913145 ATTORNEY | Legal Service code 29 | 8131 LBJ SUITE 700 DALLAS, TX 75251 | $15K |
| CINCINNATI ASSETS MGMT INV MGR | Investment management Service code 28 | — | $11K |
| HILTON PHOENIX AIRPORT HOTEL MEETING HOTEL | Other services Service code 49 | 2435 S 47TH ST. PHOENIX, AZ 85034 | $8K |
| EXCALIBUR EXPEDITERS, INC. DELIVERY SERVICE | Other services Service code 49 | — | $6K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 6,800 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 6,570 | $41.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 15,061 | $0 |
| Vision | VISION SERVICE PLAN | 5,464 | $0 |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE | 6,150 | $1.0M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE | 6,785 | $589K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,061 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.